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Palmyra Savings, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$4,717,0005,818
Total interest expense$3,023,0004,703
Net interest income$1,694,0006,990
Provision for loan and lease losses$40,0006,926
Total noninterest income$82,0008,752
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0177
Additional Noninterest Income$82,0006,833
Total noninterest expense$1,423,0006,970
Salaries and employee benefits$875,0006,473
Premises and equipment expense$272,0005,840
Additional noninterest expense$276,0008,031
Pre-tax net operating income$313,0007,352
Securities gains (losses)$11,0003,540
Applicable income taxes$79,0006,281
Income before extraordinary items$245,0007,460
Extraordinary gains, net$0105
Net income$245,0007,461
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0007,243
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$236,6407,390
2000-12-31 (YTD Data)Rank
Total interest income$4,600,0006,020
Total interest expense$3,072,0004,832
Net interest income$1,528,0007,427
Provision for loan and lease losses$08,337
Total noninterest income$95,0008,666
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0180
Additional Noninterest Income$95,0006,548
Total noninterest expense$1,383,0007,038
Salaries and employee benefits$833,0006,578
Premises and equipment expense$270,0005,774
Additional noninterest expense$280,0008,105
Pre-tax net operating income$240,0008,184
Securities gains (losses)$01,956
Applicable income taxes$64,0007,024
Income before extraordinary items$176,0008,228
Extraordinary gains, net$038
Net income$176,0008,227
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0008,877
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$176,0008,234
1999-12-31 (YTD Data)Rank
Total interest income$4,352,0006,056
Total interest expense$2,696,0004,977
Net interest income$1,656,0007,271
Provision for loan and lease losses$3,0008,407
Total noninterest income$117,0008,566
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$117,0006,247
Total noninterest expense$1,318,0007,253
Salaries and employee benefits$773,0006,878
Premises and equipment expense$240,0006,182
Additional noninterest expense$305,0008,075
Pre-tax net operating income$452,0007,365
Securities gains (losses)$9,0001,806
Applicable income taxes$164,0006,106
Income before extraordinary items$297,0007,618
Extraordinary gains, net$035
Net income$297,0007,617
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$2,529,000393
Net operating income$291,2407,631
1998-12-31 (YTD Data)Rank
Total interest income$4,129,0006,372
Total interest expense$2,704,0005,091
Net interest income$1,425,0007,853
Provision for loan and lease losses$72,0005,801
Total noninterest income$170,0007,954
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$170,0005,365
Total noninterest expense$1,118,0007,769
Salaries and employee benefits$632,0007,579
Premises and equipment expense$251,0005,955
Additional noninterest expense$235,0008,744
Pre-tax net operating income$405,0007,853
Securities gains (losses)$4,0003,561
Applicable income taxes$147,0006,882
Income before extraordinary items$262,0008,159
Extraordinary gains, net$032
Net income$262,0008,158
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$259,4408,104
1997-12-31 (YTD Data)Rank
Total interest income$4,117,0006,550
Total interest expense$2,646,0005,187
Net interest income$1,471,0008,047
Provision for loan and lease losses$9,0008,470
Total noninterest income$136,0008,802
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$136,0005,951
Total noninterest expense$1,071,0008,096
Salaries and employee benefits$626,0007,749
Premises and equipment expense$207,0006,730
Additional noninterest expense$238,0008,982
Pre-tax net operating income$527,0007,777
Securities gains (losses)$03,944
Applicable income taxes$188,0007,057
Income before extraordinary items$339,0008,084
Extraordinary gains, net$044
Net income$339,0008,087
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$339,0008,037
1996-12-31 (YTD Data)Rank
Total interest income$3,997,0006,874
Total interest expense$2,611,0005,343
Net interest income$1,386,0008,556
Provision for loan and lease losses$22,0007,876
Total noninterest income$160,0008,851
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$160,0005,786
Total noninterest expense$1,397,0007,400
Salaries and employee benefits$595,0008,167
Premises and equipment expense$199,0007,045
Additional noninterest expense$603,0006,332
Pre-tax net operating income$127,00010,222
Securities gains (losses)$-10,00010,276
Applicable income taxes$16,00010,270
Income before extraordinary items$101,00010,209
Extraordinary gains, net$053
Net income$101,00010,208
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$109,60010,088
1995-12-31 (YTD Data)Rank
Total interest income$3,732,0007,275
Total interest expense$2,406,0005,728
Net interest income$1,326,0008,997
Provision for loan and lease losses$20,0007,637
Total noninterest income$173,0008,913
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$173,0005,560
Total noninterest expense$1,051,0008,754
Salaries and employee benefits$561,0008,637
Premises and equipment expense$193,0007,333
Additional noninterest expense$297,0009,269
Pre-tax net operating income$428,0008,884
Securities gains (losses)$12,0002,250
Applicable income taxes$166,0007,998
Income before extraordinary items$274,0009,196
Extraordinary gains, net$065
Net income$274,0009,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$266,3209,239
1994-12-31 (YTD Data)Rank
Total interest income$3,564,0007,244
Total interest expense$1,940,0005,740
Net interest income$1,624,0008,519
Provision for loan and lease losses$-6,00011,728
Total noninterest income$150,0009,703
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$150,0006,205
Total noninterest expense$996,0009,370
Salaries and employee benefits$533,0009,102
Premises and equipment expense$173,0008,008
Additional noninterest expense$290,00010,070
Pre-tax net operating income$784,0006,955
Securities gains (losses)$-17,00010,215
Applicable income taxes$333,0005,479
Income before extraordinary items$434,0007,854
Extraordinary gains, net$0249
Net income$434,0007,865
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$444,8807,810
1993-12-31 (YTD Data)Rank
Total interest income$3,838,0007,069
Total interest expense$2,064,0005,691
Net interest income$1,774,0008,307
Provision for loan and lease losses$34,0008,267
Total noninterest income$155,00010,106
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$155,0006,451
Total noninterest expense$970,0009,870
Salaries and employee benefits$507,0009,600
Premises and equipment expense$177,0008,214
Additional noninterest expense$286,00010,615
Pre-tax net operating income$925,0006,226
Securities gains (losses)$07,477
Applicable income taxes$292,0006,176
Income before extraordinary items$633,0006,546
Extraordinary gains, net$03,149
Net income$633,0006,703
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$633,0006,305
1992-12-31 (YTD Data)Rank
Total interest income$4,236,0007,196
Total interest expense$2,580,0005,834
Net interest income$1,656,0008,788
Provision for loan and lease losses$21,00010,525
Total noninterest income$183,0009,757
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$183,0005,968
Total noninterest expense$889,00010,557
Salaries and employee benefits$461,00010,184
Premises and equipment expense$148,0009,172
Additional noninterest expense$280,00011,125
Pre-tax net operating income$929,0005,949
Securities gains (losses)$20,0005,594
Applicable income taxes$293,0006,029
Income before extraordinary items$656,0006,191
Extraordinary gains, net$01,422
Net income$656,0006,261
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,00010,379
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$642,2005,940

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.